The Best Sources of Referrals!
ByRealtor Referrals are by far the most effective tool in your mortgage marketing arsenal. Realtor reaferrals can flow with abundance if you hook up with the right real estate agents. Go for the top 10% of agents in your marketplace, and you should have no problem generating TONS of referrals from them, and having fun fillling your bank account. Let’s not neglect the other types of referrals out there, however
Past Customer Referrals
Customer referrals are the most sought after by Realtors and Loan Officers. These are referrals generated by customers you have already served and either done a loan for, or helped on the real estate side. These clients are happy with their past experience with you and your services, and have gladly referred you to their friends and family. They are the “gravy” of the mortgage business. They can often be a “lay down” because you come so highly recommended.
Sphere of Influence Referrals
They may not count for a lot of your business, but a mortgage professional should be able to count on their friends and their family for referrals when they do come up. Your family and friends should absolutely KNOW that you are in the real estate or mortgage business. If they don’t, shame on you! And the bigger the family and SOI you have, the more referrals 
Mortgage Marketing Referrals
These are the kinds of referrals that you get from offering an incentive to another business professional, who refers clients to you. Attorneys, accountants, pizzeria owners, literally any other business contact that you can co-market with.
Internet Referrals
There are also internet referrals. This is where good Google Mortgage Training can come in handy! Getting high rankings in Google means that lots of customers will be able to easily find your site in searches, and fill out your lead capture forms! These referrals are amazing because you are getting the prequalification information up front. These are FREE to get and there is literally no end to them. I have been at the point of getting 15 plus leads PER DAY from this kind of mortgage marketing!
Chris Hallmark – http://www.freerealestatemarketinglab.com
Chris I think that sphere of influence is an overlooked referral source. You do not have to push what you do on people. Making sure that friends and family know what you do is very easy to do. These are the people that really want to help you but many times just do not know what you do or may forget.
Roy Paeth
Chicago First Time Home Buyer